Drywall
Contractor Coverage —
Essential Protection
for Your Trade
Make sure your drywall installation work is protected by comprehensive insurance specifically designed for drywall professionals.
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Why Drywall Contractors Need Insurance
Drywall contractors face various hazards in their line of work. Without proper insurance, even a small mishap can have costly consequences. A drywall insurance plan is crucial to protect against:
- Injury Risks: Drywall work involves physical labor, which can lead to accidents and injuries. Workers’ compensation insurance helps cover medical costs and lost wages if your team gets hurt on the job.
- Property Damage: Working in client homes or offices means there’s always a risk of accidental damage, such as drywall dust harming furniture or a tool damaging property. General liability insurance protects your business from these types of claims.
- Legal Liabilities: If a client claims your work caused damage or an injury, the resulting legal fees can be overwhelming. Liability insurance shields drywall contractors from these potential legal battles.
Typical Risks Encountered by Drywall Installers
Drywall installation involves manual labor that presents several potential hazards. Having the right insurance coverage is crucial to reducing the financial burden of unexpected incidents. Safeguard your company against these frequent risks:
- Height-Related Injuries: Working from ladders or scaffolding poses a significant risk of falls and potential injury for drywall professionals.
- Accidents with Tools: Regular handling of sharp instruments, drills, and other tools increases the chances of injury during installation tasks.
- Airborne Dust Exposure: Cutting drywall produces fine dust particles, which can affect respiratory health if safety protocols are not adhered to.
- Damage to Existing Structures: Incorrect installation or securing of drywall panels can lead to harm to walls, ceilings, or other pre-existing elements in a building.
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Common Causes of Drywall Contractor Incidents
Working in drywall involves handling materials and tools that can lead to accidents. Without adequate insurance, a single incident could jeopardize your business. Drywall insurance ensures you’re covered for potential challenges:
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Falls:
Many drywall contractors work on ladders or scaffolding, which increases the risk of falls and injury.
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Cuts and Bruises:
Working with cutting tools and materials like drywall sheets often leads to cuts or other minor injuries.
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Respiratory Issues:
Drywall dust can cause respiratory problems if not properly managed, making insurance important for worker health.
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Equipment Malfunctions:
Improperly functioning tools can lead to unexpected accidents and injuries.
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What Does Drywall Insurance Cover?
We’ve seen it all in our field of work, and we know that despite the familiarity of your job, accidents happen. Here are some of the injuries and accidents covered under the scope of drywall insurance, complete with examples of how related accidents might present themselves.
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Injuries to the Body:
Any physical injury sustained as a direct result of work done at your site.
Example: Drywall material is left out and unsecured at a site, which causes a third party to sustain a fall-related injury.
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Damages to the Property:
Any changes made to a property that was unwarranted and unchangeable.
Example: Plaster from a drywall construction site falls onto carpeting in a home and is not removed quickly enough to prevent irreversible damage.
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Personal Injury:
The emotional or reputational state of a third party is damaged due to the irresponsibility of the drywall company.
Example: An incomplete drywall installation job causes a high-end business to lose some of their customers because of the unfinished look of their store.
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Advertising Injury:
Any false claim or direct attack made against a third party, which might include a copyright infringement or libel suit.
Example: Your latest advertising campaign contains pictures of work done by a current employee when they worked at a rival drywall company in the past. The rival company sues in response.
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Medical Payments:
Any sort of payment for physical injury caused by your work or whatever happens during the process.
Example: Poor drywall installation causes part of a wall to crumble, and hits someone on the head, causing a concussion.
Drywall Insurance Rates And Coverage
This table displays typical rates and coverage for Drywall General Liability
for $1 Million/$2 Million Policy.
| State | Coverage | Guard | Next Insurance | Liberty Mutual | Attune | Nation Wide | Tokio Marine |
|---|---|---|---|---|---|---|---|
| IL | 1M/2M | $1075 | $760 | $1051 | $990 | $1100 | $825 |
| IN | 1M/2M | $859 | $660 | $847 | $882 | $960 | $825 |
| CA | 1M/2M | $1100 | $860 | $1098 | $1100 | $1100 | $1200 |
| PA | 1M/2M | $910 | $660 | $878 | $882 | $894 | $900 |
| WA | 1M/2M | $940 | $660 | $918 | $820 | $930 | $825 |
| GA | 1M/2M | $941 | $660 | $933 | $815 | $845 | $825 |
| CO | 1M/2M | $875 | $630 | $810 | $810 | $845 | $825 |
| TX | 1M/2M | $880 | $600 | $842 | $800 | $870 | $800 |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for Drywall/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
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Insurance Options for Drywall Contractors
To ensure complete protection for your business, drywall insurance should cover various aspects of your operations. Here are some primary coverages available:
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General Liability:
Drywall jobs come with risks of accidents at client sites. General liability insurance covers any legal costs or compensation claims related to property damage or injury. For instance, if a client’s furniture is damaged during work, this policy ensures you’re protected financially.
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Workers’ Compensation:
Given the manual nature of drywall installation, workers’ compensation insurance is essential to cover medical expenses and wages in case of workplace injuries. This ensures legal compliance and keeps your workforce protected.
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Equipment Protection:
Your tools are vital to your trade. Equipment insurance safeguards against the loss, theft, or damage of your tools, keeping your operations running smoothly without interruptions.
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Commercial Auto Insurance:
Transporting materials and tools is essential in drywall work. Commercial auto insurance protects your vehicles in case of accidents, theft, or other incidents while on the road.
Is Drywall Insurance Required By Law?
In most states, general liability insurance is required by law prior to making any sort of bid. Some states do not require it, but most potential clients will want you to have it prior to working with them in any case.
Failure to have it could cost you a bid. To find out more about your state’s requirements, contact Contractors Liability. We’ll discuss the best options for coverage, as well as any legal questions you might have from there.
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Frequently Asked Questions
This also is dependent on state and local laws. In states where general liability insurance policies are mandatory, the worst-case scenario could be the loss of your entire company due to the financially harsh lawsuits you will most likely lose. Our solution? Find the best coverage for your company quickly with the help of Contractors Liability.
Factors that determine the initial cost of drywall payments are usually out of you and your insurance company’s control. However, those factors don’t need to bring you down. Working with the right insurance agents, like the ones at Contractors Liability, can save you money by finding insurance bundles that not only cover your liability but your whole company as well.
Drywall installation is a task that most people don’t know how to do. So they pay people who do to get it done. So why would you turn to an insurance agency for coverage that has no experience in catering to drywall contractors when you could get coverage specific to your needs and wants? That’s what Contractors Liability provides for drywall installers, as well as:
- Service from only A-Rated insurance providers.
- Help from licensed insurance agents at our company location, online, and over the phone.
- Rates that suit your needs as well as your budget.
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